Fast App is designed to be a quick and easy way to get access to Partners Life’ s products without health underwriting at application, providing an opportunity to advisers to offer their services to a whole range of new clients who, until now, have typically not used advisers or indeed not taken any insurance.

Fast App is an alternative to the traditional underwriting process for life, disability, trauma and medical insurance and opens the door to comprehensive insurance products for people who choose not go through the traditional underwriting process and, as a result, miss out on the value that an adviser could bring them through offering not only comprehensive advice but also top of the range products. 

Fast App does not assess the client’s health, participation in hazardous pastimes or travel intentions to dangerous places, at application.  Fast App is available on all Partners Life personal and business products, the exact same products and benefits clients get if they are underwritten, and, at exactly the same premium.

Because there is no assessment of health at application, predictable claims are excluded (as they would typically be during the normal underwriting process).  However, unlike traditional guaranteed acceptance products, where blanket exclusions exist for pre-existing conditions forever, Fast App utilises uniquely designed exclusions, intended to address predictable claims’ – claims arising from causes which could reasonably be predicted based on a life assured’s health profile, occupation, past-times and travel plans, which would normally excluded at the time of application.

Fast App exclusions for predictable claims will not apply to conditions first suffered before application where the pre-existence of the condition does not cause the claim.  In addition and most importantly, the predictable claims exclusion will also not apply at claim time if the client’s health improves and the condition would have been covered if underwritten by Partners Life prior to the claim.  Fast App clients get the benefit of improved health. 

Fast App attempts, as far as possible, to replicate the outcome of an underwriting assessment up-front, without actually going through the full underwriting process at application.

"This really means we underwrite at claim time and clients should typically get similar claims results as if they were fully assessed at application time,." Partners Life general manager product, Steve Wright says.